What RV Insurance Covers
Bodily injury liability
If you cause an accident with your RV and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.
Property damage liability
If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property. Most states require liability coverage.
Collision
Regardless of who’s at fault, collision pays for damage to your RV or motorhome if you’re in an accident with another vehicle. Collision also covers RV or motorhome rollovers. If you finance or lease your vehicle, collision may be required.
Comprehensive
Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, falling objects, fire, storms, floods and certain other natural disasters.
Uninsured motorist
This RV coverage helps protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage may also protect you from covered hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.
Underinsured motorist
Protect yourself against underinsured drivers. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.
Medical payments
No matter who’s at fault, med pay can help cover medical bills for you and your passengers if your RV is involved in an accident.
Optional RV insurance coverages
Roadside assistance
Get 24/7 emergency help if you need fuel, a tire change, a jumpstart or a tow.
Roadside Assistance also covers any trip interruption expenses that happen when you’re more than 50 miles away from home.
Towing & labor
Covers towing and labor, as well as trip interruption expenses such as lodging, transportation and meals.
Vacation liability
Provides protection if an accident happens on the premises while the RV is being used as a temporary residence. We’ll provide up to $10,000 in coverage with any pleasure-use RV that has physical damage coverage under both comprehensive and collision coverages.
Safety glass replacement
This coverage will pay to replace the windshield for your RV or motorhome.
Replacement cost and scheduled personal effects
These coverages are provided as primary insurance for both pleasure and full-time RVers. This policy pays before any other policy to limit the need to file a homeowners insurance claim.